Davis, OK · Cert 4077
FDIC
Q4 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2010, the quarter ended December 31, 2010, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Davis, OK · Cert 4077
FDIC
Q4 2010
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.20% | 1.29% | 1.05% | 0.83% | 1.47% | 1.50% | 1.55% | 1.42% | +59 bps | |
| Return on Equity | 11.94% | 13.01% | 10.71% | 8.54% | 16.40% | 16.75% | 17.10% | 16.05% | +751 bps | |
| Net Interest Margin | 3.80% | 3.90% | 3.93% | 4.27% | 3.93% | 3.82% | 3.85% | 3.81% | -46 bps | |
| Efficiency Ratio | 60.25% | 60.35% | 57.18% | 55.39% | 60.63% | 56.46% | 58.60% | 61.33% | +594 bps | |
| Non-Interest Burden | 2.15% | 2.21% | 2.04% | 2.12% | 2.10% | 1.72% | 1.92% | 2.05% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.07% | 10.52% | 5.49% | 3.13% | 5.84% | 9.52% | 14.57% | 20.61% | +1,748 bps | |
| Loan Growth (YoY) | 10.67% | 12.70% | 16.24% | 14.86% | 8.44% | 13.47% | 14.38% | 24.77% | +991 bps | |
| Deposit Growth (YoY) | 9.48% | 12.80% | 3.64% | 7.45% | 9.35% | 11.39% | 22.91% | 31.80% | +2,435 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.09% | 0.70% | 1.39% | 1.36% | 1.20% | 1.24% | 1.00% | -39 bps | |
| Allowance / Loans | 1.45% | 1.58% | 1.85% | 2.05% | 2.15% | 2.11% | 1.91% | 1.70% | -35 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 16.44% | 15.95% | 16.14% | 16.03% | 15.02% | 14.36% | 14.24% | 13.87% | -216 bps | |
| Equity / Assets | 9.78% | 9.49% | 9.68% | 9.46% | 8.51% | 9.02% | 9.20% | 8.10% | -136 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.83% | 80.90% | 87.57% | 90.18% | 79.17% | 82.41% | 81.49% | 85.37% | -481 bps | |
| Liquid Assets / Assets | 0.01% | 0.29% | 0.07% | 0.01% | 0.06% | 0.05% | 0.05% | 0.04% | +4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |